Key Takeaways
- Backed by 765 hours of research into the auto insurance market, we laud Liberty Mutual for its good programs for young drivers.
- The usage-based RightTrack® program offers an initial discount and can save drivers up to 30% upon policy renewal.
- Liberty Mutual offers valuable add-on coverage options like gap coverage Better Car Replacement.
Liberty Mutual is one of the largest car and home insurance providers in the U.S. and has extensive offerings. The company has a solid customer service reputation backed up by many Liberty Mutual insurance reviews.
We at the MarketWatch Guides team will take a close look at Liberty Mutual car insurance offerings, cost and customer reviews. Learn more about why we named Liberty Mutual one of the best car insurance providers in the U.S.
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Liberty Mutual Car Insurance Review
We rate Liberty Mutual a 9.1 out of 10 and recognize it for having Good Programs for Young Drivers in 2024. The overall rating of 9.1 was aggregated from the company’s performance across five key categories for car insurance: cost, coverage, reputation, availability and customer experience. See the pros, cons and category ranking breakdown for Liberty Mutual car insurance below.
Pros and Cons of Liberty Mutual Insurance
Here are a few of the pros and cons of purchasing a car insurance premium with Liberty Mutual:
Pros
Variety of auto policies and add-on coverage
Nationwide availability
Excellent AM Best and Better Business Bureau (BBB) ratings
Numerous discounts, especially for young drivers
Cons
Average customer satisfaction ratings
Premiums can be high
Liberty Mutual Insurance Rating
Below, we show you how Liberty Mutual scored in each of our insurance review categories:
| Rating Category | Score |
|---|---|
| Industry Standing | 8.7 |
| Availability | 10 |
| Coverage | 9.7 |
| Cost | 9 |
| Customer Experience | 8.3 |
| Overall Rating | 9.1 |
Is Liberty Mutual Good?
If you’re looking for an auto policy, Liberty Mutual is worth considering. It offers a range of car insurance coverage options and discounts, making it one of the most affordable providers we found for young drivers.
Here’s what makes Liberty Mutual stand out from competitors:
- Affordable coverage for young drivers: Since teen motorists lack driving experience, they often pay some of the highest car insurance costs. Liberty Mutual offers several discount programs to help offset car insurance premiums.
- Several add-on car insurance options: Liberty Mutual provides several unique add-on options for drivers, including a lifetime repair guarantee, new car replacement insurance and better car replacement insurance.
Liberty Mutual Insurance Ratings
Here’s how Liberty Mutual scored in studies and reviews from industry research authorities. Below you can review rating scores from reputable research agencies:
- J.D. Power 2024 U.S. Insurance Shopping Study℠: Liberty Mutual scored below the industry average with 642 points out of 1,000.
- J.D. Power 2023 U.S. Auto Claims Satisfaction Study℠: Liberty Mutual was behind the industry average in this study as well with 866 out of 1,000 points.
- NAIC Insurance Claims Complaints Index: Liberty Mutual’s index is 0.89, which is lower than the average score of 1.0, indicating that it gets fewer complaints about its private passenger auto services than other companies its size.
- AM Best Financial Strength Rating: Liberty Mutual has an A+ rating for financial strength from AM Best, indicating it’s dependable for claim payouts.
Why Choose Liberty Mutual
In addition to the company’s lineup of standard minimum and full-coverage car insurance options, Liberty Mutual offers add-ons like Better Car Replacement, New Car Replacement, lifetime repair guarantee and original parts replacement.
Liberty Mutual also offers homeowners insurance, as well as renters and life insurance, meaning you can bundle your auto policy with other insurance coverages to save money and make managing your policies more convenient.
Where Liberty Mutual Falls Short
Liberty Mutual is a good insurance company, but it may have some disadvantages. We noted that, based on customer reviews, Liberty Mutual claims processing may be slow compared to other providers.
Liberty Mutual Insurance Comparison
Below you can see how Liberty Mutual compares to large insurers:
| Comparison | Liberty Mutual Insurance Rating vs. Competitors | The Bottom Line |
|---|---|---|
| Liberty Mutual vs. Geico | 9.1 vs. 9.3 | Geico has better overall pricing that beats Liberty Mutual’s insurance offerings. |
| Liberty Mutual vs. USAA | 9.1 vs. 9.3 | While USAA is the best choice for military members and their families, Liberty Mutual has good coverage options for non-military families. |
| Liberty Mutual vs. State Farm | 9.1 vs. 9.2 | State Farm has better customer service, which makes it a good pick over Liberty Mutual. |
| Liberty Mutual vs. Nationwide | 9.1 vs. 9.2 | Nationwide beats Liberty Mutual in customer service. |
| Liberty Mutual vs. Progressive | 9.1 vs. 9.4 | While comparable, Progressive has a better industry standing than Liberty Mutual. |
| Liberty Mutual vs. Allstate | 9.1 vs. 9.1 | Liberty Mutual has a slight edge over Allstate when it comes to add-on coverage options. |
| Liberty Mutual vs. Farmers | 9.1 vs. 8.5 | When it comes to overall insurance services and coverage, Liberty Mutual wins over Farmers. |
| Liberty Mutual vs. AAA | 9.1 vs. 7.3 | While AAA offers better customer service, Liberty Mutual is more widely available. |
Read more: Compare Car Insurance
How Much Does Liberty Mutual Insurance Cost?
Unlike most major providers, Liberty Mutual does not participate in Quadrant research for auto insurance quotes. However, based on our research, Liberty Mutual insurance costs may be affordable — especially for younger drivers — due to the company’s range of auto insurance discounts.
Why Is My Liberty Mutual Insurance So Expensive?
Car insurance costs are influenced by many factors, some of which are in your control and some which are not. Understanding which ones you have control can help you ensure you get the best rate.
Here are the most common factors that affect car insurance rates:
- Your location
- Vehicle
- Age and gender
- Marital status
- Driving history
- Credit score
Liberty Mutual Car Insurance Deals
Liberty Mutual offers various types of insurance discounts for drivers, which can be stacked to help bring the cost of insurance coverage down. The company provides the following discounts:
| Liberty Mutual Car Insurance Discount | Details |
|---|---|
| Homeowner | Homeowners receive additional savings on their insurance plans. |
| Military | Active, retired or reserve U.S. military members can receive discounts. |
| Early Shopper | If you get a quote before your car insurance expires, you can receive an early bird discount if you sign with Liberty Mutual. |
| Good Student | Full-time students with a B average or better can receive discounts. |
| Student-Away-at-School | If your child is away at school and only occasionally drives your vehicle, you will receive a lower insurance rate. |
| Advanced Safety Features | If your vehicle has advanced safety features like anti-lock brakes, electronic stability control or adaptive headlights, you qualify for a discount. |
| Alternative Energy | If you have a hybrid or electric car, you can receive a lower premium. |
| Anti-Theft Device | Vehicles equipped with anti-theft technology qualify for extra savings. |
| Accident-Free | If you have an accident-free driving record, you can receive further savings. |
| Violation Free | If you have no tickets or violations on your driving record, you can save on your premium. |
| RightTrack | Enroll in the RightTrack safe driving program to receive an initial discount for participating and a final discount of up to 30%. |
| Multi-Policy | You qualify for a discount if you’re bundling multiple plans with Liberty Mutual. |
| Multi-Car | Families who purchase car insurance through Liberty Mutual save more on premiums. |
| Preferred Payment | Enroll in automatic payments and get a discount. |
| Pay-in-Full | Pay your premium in one or two payments instead of monthly to receive a discount. |
| Online Purchase | When you get a free quote online and purchase a policy, you get a discount. |
| Paperless Policy | You can save on insurance when you sign up to receive statements through email instead of the mail. |
Liberty Mutual RightTrack
You’ll receive a discount just for signing up with Liberty Mutual’s RightTrack, a usage-based program that tracks your driving habits and rewards good driving with premium discounts. Simply download the Liberty Mutual app on your smartphone and let it track your driving habits for a period of 90 days for a boosted discount of up to 30%.
Liberty Mutual Customer Satisfaction
Founded: 1912
Better Business Bureau (BBB) rating: A-
AM Best financial strength rating: A
The Liberty Mutual Group is an international insurance provider that was founded in Boston in 1912. The provider offers many auto insurance policies and add-on coverage options for drivers nationwide. According to the National Association of Insurance Commissioners (NAIC), Liberty Mutual wrote over $13 billion in direct premiums in 2023.
Liberty Mutual Customer Reviews
Liberty Mutual has a largely positive reputation within the auto insurance industry. Many customers praise the company’s timely claims process and responsive customer service. Negative reviews from Liberty Mutual policyholders tend to center on issues with contacting claims adjusters and problems with the company increasing rates.
Liberty Mutual Car Insurance Customer Satisfaction
In April 2024, we conducted a nationwide car insurance satisfaction survey that polled 1,839 people. Of those who participated, 4% reported they had a Liberty Mutual car insurance policy.
Here’s how Liberty Mutual customer satisfaction compares with the overall industry average from our survey. Each score is out of five points.
| Liberty Mutual Average | Insurance Company Industry Average | |
|---|---|---|
| Overall Customer Satisfaction | 4 | 4.2 |
| Affordability | 4 | 4 |
| Explanations of Cost | 4 | 4 |
| Explanations of Coverage | 4.2 | 4.2 |
| Coverage Options | 4.3 | 4.2 |
| Shopping Experience | 4.2 | 4.2 |
| Website Features | 4.2 | 4.1 |
Liberty Mutual Car Insurance Coverage
Liberty Mutual offers several standard insurance plans, including:
- Liability car insurance (bodily injury/property damage)
- Collision insurance
- Comprehensive insurance
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Underinsured/uninsured motorist coverage
Liberty Mutual Coverage Options
Drivers can also purchase add-on coverage. Here’s an overview of the additional coverage options Liberty Mutual provides:
| Liberty Mutual Coverage | Details |
|---|---|
| Liberty Mutual Deductible Fund | This optional collision coverage helps reduce your deductible by $100 each year. |
| Lifetime Repair Guarantee | If your vehicle needs repairs because of an accident, this coverage takes care of all arrangements and guarantees your repair for as long as you own your car. The company partners with over 2,000 repair facilities nationwide. |
| New Car Replacement Insurance | This ensures that you receive a brand-new car if your totaled vehicle is under one year old and has fewer than 15,000 miles. |
| Better Car Replacement Insurance | If you get into an accident and your car is deemed a total loss, your coverage will give you money for a replacement car that is one model year newer with 15,000 fewer miles than your current car. |
| Rental Car Reimbursem*nt | If your vehicle is repaired at an approved repair facility, Liberty Mutual will reimburse you for your rental car. |
| 24-Hour Roadside Assistance | This add-on coverage provides 24-hour roadside assistance and covers towing, jump-starts, emergency fuel and flat tires. |
| Gap Coverage | Gap coverage will cover the remaining amount you owe on your car loan if your car is totaled. |
| Original Parts Replacement | This optional coverage will replace any damaged parts on your vehicle with components that meet the highest quality standards. |
How Do Liberty Mutual Auto Insurance Claims Work?
You can file a claim over the phone or through the Liberty Mutual website. Filing online usually takes about 10 minutes, and a claims representative typically gets back to you within two business days. With a Liberty Mutual online account, you can upload documents, schedule repairs and track your claim’s progress with ease.
Once you receive an estimate and schedule your repairs, Liberty Mutual will issue a check for the repair costs minus your deductible. If you choose a repair facility in the company’s Guaranteed Repair Network, Liberty Mutual will send payment directly to the shop.
Liberty Mutual Car Insurance Reviews: The Bottom Line
Liberty Mutual is a well-known and dependable provider of standard car insurance options. The company also offers an impressive lineup of add-on coverages and policy discounts to help drivers from all walks of life customize their coverage for the right price. Always compare quotes before committing to a policy contract.
Liberty Mutual Alternatives
Car insurance is based on a variety of factors, and it’s important to find an insurer that offers everything you need in a plan and more. The best way to shop around is to compare free car insurance quotes from insurers before making a final decision.
Source: The Ramsey Show
Progressive: Best for Tech-Savvy Drivers
Progressive is the second-largest insurer in the nation and wrote nearly $50 billion in auto insurance premiums in 2023. The company offers many standard coverage options in addition to add-on coverage, including roadside assistance, rental car coverage, loan/lease payoff, rideshare coverage and pet coverage.
Progressive also provides you with a plan tailored to your driving, called the Snapshot® program, where the insurer tracks your driving through a plug-in device. By practicing safe driving, you may qualify for extra car insurance discounts. Progressive also has a highly reviewed mobile app on both the App Store and Google Play.
Read more: Progressive Insurance Review
USAA: Best for Military Members
USAA is a reputable insurer that provides coverage for military members, veterans and their families. The company offers standard car insurance options and additional coverage, including roadside assistance, rental car reimbursem*nt and accident forgiveness. USAA is highly rated when it comes to customer satisfaction and affordability for its insurance products, as well.
Read more: USAA Insurance Review
Liberty Mutual Car Insurance FAQ:
Below are the most frequently asked questions about Liberty Mutual car insurance reviews:
Liberty Mutual has an A rating for financial strength from AM Best, indicating the company is dependable for paying out insurance claims.
Most insurance companies increased their rates between 2023 and 2024. Some Liberty Mutual customers report rate increases during policy renewals in 2024, though some rate increases may be due to traffic violations, accidents or other issues.
Based on coverage options, costs, customer reviews and industry reputation, we pick Travelers as the best insurance company for most drivers.
Unlike some insurance providers, Liberty Mutual doesn’t offer accident forgiveness and instead gives discount perks to those without traffic violations or recent insurance claims. If you have a recent accident or changes to your driving record, we recommend getting quotes from Progressive or State Farm.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.com.
